Speaking as someone who is the child and sister of people that were/are on disability, I'm amazed that anyone could game the system. My dad had three major back surgeries and was still questioned as to the veracity of his claim. It took forever for him to be approved. Trust me when I tell you, no one worked harder or hated being home more than my dad.
Folks would judge him when they would see him pitching balls to my brother and his teammates when the coach ran late, or when they would see our Disney vacation photos. What they didn't see was the two days he spent in bed after an hour of pitching balls to 8 year olds, or the wheelchair he had to use to get around the park. My parents scrimped and saved for years to afford that vacation and he wasn't going to sit in the room while we went out.
My sister was always a go-getter. She was working at the bingo hall waiting tables for school clothes at 14, she always worked and hates being stuck in the house. However, since her MS diagnosis and the four back surgeries she has had she can no longer work outside the home. She would give *anything* to be working again, but due to the cognitive and vision deficits caused by the MS she simply isn't able to. Like my dad, some days she is good, so she will overdo it and end up in bed recovering. No one sees those recovery days, so they question whether her diagnosis is actually MS. I guess when she is finally wheelchair bound they will.
I wonder whether these people you're encountering have hidden disabilities as well, as it took YEARS of fighting for my dad and sister to be approved to collect disability payments. They were both denied multiple times. Let me reiterate that. My sister, with her Multiple Sclerosis diagnosis was denied multiple times and it cost her a fair amount out of pocket in attorney fees and court costs. Both dad and my sister worked for years making very good salaries and therefore, paying their fair share of taxes. They didn't apply out of a sense of entitlement, they *are* entitled to collect that payment. Don't judge what you don't know....